Are you sick and tired of not being able to afford to pay your car insurance bill each month? You are in the same boat as millions of other consumers. Insurance companies such as State Farm and GEICO all claim big savings with catchy ads and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.
Getting better auto insurance pricing is a fairly straight forward process. Just take time comparing price quotes provided by online insurance companies. This can be done in a couple of different ways.
To view a list of companies in Southaven, click here.
It doesn’t matter which method you choose, just double check that you are using apples-to-apples quote information for every company. If you are comparing different deductibles it will be impossible to truly determine the lowest rate in Southaven.
Companies that sell car insurance don’t necessarily list every available discount in an easy-to-find place, so we break down both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.
It’s important to understand that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free auto insurance policy, auto insurance companies aren’t that generous.
To choose insurers with the best auto insurance discounts in Mississippi, follow this link.
Smart consumers have a good feel for the factors that play a part in calculating auto insurance rates. Understanding what influences your rates helps enable you to make changes that could result in better auto insurance rates.
More detailed Mississippi auto insurance information can be found at the Mississippi Insurance Department website. Mississippi consumers can download brochures, read state legal mandates and laws, read consumer alerts, and file complaints about an insurance agent or broker.
Consumers can’t ignore all the ads for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. They all seem to make the same claim that you can save if you move to them.
How do they all make the same claim? This is how they do it.
Insurance companies have a certain “appetite” for the driver that makes them money. For example, a profitable customer could possibly be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. A customer who meets those qualifications receives the best rates and most likely will pay quite a bit less when switching companies.
Potential insureds who fall outside the “perfect” profile must pay higher prices and this can result in business not being written. The ads state “drivers who switch” not “people who quote” save that kind of money. That’s why insurance companies can advertise the way they do. This illustrates why it is so important to get a wide range of price quotes. It’s not possible to predict the company that will provide you with the cheapest rates.
Cheaper auto insurance is available from both online companies and with local Southaven insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find for the lowest price while still protecting your assets.